America's Car-mart, Inc. · NASDAQ:CRMT
America's Car-mart — Q3 2026 Earnings Presentation
5 slides from America's Car-mart's earnings presentation, Mar 12, 2026
Slide 1: America's Car-Mart Fiscal 2026 Q3 Earnings Supplement
America’s Car-Mart Fiscal 2026 Q3 Earnings Supplement March 12, 2026
Slide 2: Forward Looking Statements
Forward Looking Statements This presentation contains “forward-looking” statements that involve substantial risks and uncertainties. All statements other than statements of historical fact contained in this presentation are forward-looking statements within the meaning of Section 27A of the United S
Slide 3: Third Quarter FY26 Key Highlights
Third Quarter FY26 Key Highlights Third Quarter Key Highlights (FY’26 Q3 vs. FY’25 Q3, unless otherwise noted) • Sales volumes declined 22.1% to 10,275 units, reflecting constraints on origination capacity resulting from the Company's ongoing capital structure transition as well as the significant w
Slide 4: Third Quarter FY26 Non-Cash & One-Time Charges
Third Quarter FY26 Non-Cash & One-Time Charges Q3 FY26 GAAP Net Income Q3 FY26 Non-Cash and One-Time Charges GAAP EPS loss per share of • DTA Valuation Allowance $47.0M ($9.25) • Credit Loss / Allowance Adjustment $18.2M • Asset Impairment (Lot Closures) $2.8M Adjusted EPS¹ loss per share • Tax Effe
Slide 5: Cash-on-Cash Returns
Cash-on-Cash Returns | Third Quarter FY26 Our pools have consistently produced positive cash-on-cash returns and attractive IRRs 83.3% 72.6% 63.9% 40.7% 47.3% 28.6% 44 45 44 44 44 44 45 44 45 45 45 42 43 43 43 43 39 40 40 37 35 32 32 33 30 30 31 24 24 23 23 24 23 22 22 21 19 20 18 15 15 16 16 14 14